Credit card rewards, crunched into real dollars
88 Canadian cards checked on the banks' own pages, and posts that do the math. No ads, no paid rankings, no affiliate links.
TD First Class Travel Visa Infinite
Spend $1,250 a month for six months on the TD First Class Travel Visa Infinite and you end up with about 180,000 TD points, worth $900 in travel. The fee is rebated in year one. Here is how.
Credit Card Churning 101
I booked an Air Canada Business Class seat from Montreal to London and paid just $80 in taxes and fees. The same seat in cash was $5,895. The $5,815 in between came from credit card churning.Read the post →
How to Build Credit With a Credit Card
Pay only the minimum on a $2,000 card balance and you hand the bank $793 in interest over almost four years.
How Credit Scores Work
One late credit card payment can stay on your credit report for up to 6 years. The fix is boring: pay on time and keep your balances low.
The Best Credit Card for Newcomers
New to Canada with no credit history? RBC's newcomer offer gives you a no-fee Cash Back Mastercard and $200 in extra cash back in your first three months.
The Best Credit Card for Students
A typical student budget, $610 a month, earns $130 a year on the BMO Student CashBack Mastercard. It has no annual fee, and student loans count as income.
Is There a Canadian Tire Mastercard Promo Code?
There is no Canadian Tire Mastercard promo code, and no sign-up bonus running right now.
TD First Class Travel Visa Infinite
Spend $1,250 a month for six months on the TD First Class Travel Visa Infinite and you end up with about 180,000 TD points, worth $900 in travel.
What Is a Secured Credit Card?
The secured card I'd pick costs $0 a year. You give the bank a deposit, it gives you a real credit card, and you start a credit history from zero. Here is how.
Best Credit Card for Spending Abroad
Spend $20,000 abroad on a typical Canadian credit card and the bank keeps about $300 more than it gives back.
Neobanc Pays 1% on Rent. What's the Catch?
Neobanc pays me 1% on my rent for sending it an e-Transfer. On $2,500 a month that is $300 a year, with no credit card and no fee.
4% on Rent Ends Next Month. Now What?
My rent is about $2,500 a month. Today I pay it through Chexy on the Scotia Momentum Visa Infinite+, and it pays me $675 a year.
The Best Credit Card for Costco
I put $1,000 a month through Costco and my Rogers World Elite pays me $360 a year for it.
The Rogers World Elite Is Changing
My $200 of Rogers cash back is worth $300 until November 18. After that, $200. Here is what is changing and what I am doing about it this week.
Find your next card
Every card has a role in your wallet. Start with the role you need, or with what you spend on.
Earns well on most spending and is accepted almost everywhere (Visa or Mastercard); the card you reach for by default.
Best in one or two spending areas; pair it with an everyday card.
Get it for the welcome bonus, then cancel or downgrade before the fee comes back. How churning works →
Store, airline and student cards are under Niche cards; the rest are in the library with the card that does their job better.